Zhang Jingyi, who was standing on the side, listened carefully to the words of the third uncle.

He was immediately impressed by the third uncle.

The third uncle's eyes are very poisonous.

At least for the time being, there is no way for the average person to see the great help that this bank has brought to Frangi and the Dutch.

To put it bluntly, the emergence of banks is to give people overdraft capital.

Use the bank to attract the wealth of all the people in the world, and then invest this huge amount of money in the form of loans, into the East India Company, which takes the money, desperately builds ships and recruits manpower to complete the expansion, and finally creates countless profits.

With this bank, it is equivalent to that you have a larger financial resource than the national treasury, and by absorbing this financial resource, you will gain more power.

And if you don't have a bank, you have to fight against them, and you can only fight them with a pitiful amount of money.

For example, in the current Ming Dynasty, if the social wealth is one billion taels of silver, and the financial income is only five million taels per year, even if all the five million taels of silver are invested in shipbuilding, it is a drop in the bucket.

As for the Dutch people, if their social wealth is only 100 million taels, if their financial income is only 1 million taels of silver, and only 1 million taels of silver, of course, they cannot be the opponents of the Ming Dynasty.

But...... They have national bonds, and at the same time they have banks, and the banks collect a large amount of savings from the society, get tens of millions of taels of silver social wealth, and then through lending, then the funds in their hands may be far beyond the Ming Dynasty.

After all, it is difficult for human technological progress to develop by leaps and bounds, and it is impossible to form a new industry that grabs a large amount of profits, and at the same time, the expansion of the market has also reached the limit, and the more debts you borrow, sooner or later you will be riddled with debts, and finally cause huge problems.

Can ...... now It is the Age of Discovery, this era, countless blank markets to be explored, the income of sea trade is extremely high, and the investment of one or two silver can bring double the profit.

The more you invest, the greater the profit, and naturally, you will never have to worry about not being able to repay your debts.

The Emperor of the Apocalypse probably understood the power of this thing, and said: "In this way, it means that they use all the income in their country, as well as the money of the merchants, and the savings of the people, into their funds for building ships and recruiting people, to fight against my Ming Dynasty, right?" ”

Zhang Sandao: "That's right, now the Francois and the Dutch have been wary when they hear that I have opened the sea and built my own ships for freight. Plus...... The minister heard that many private businessmen along the south coast of the Yangtze River were also very vigilant about this...... This is also what the minister is worried about, once that time comes, he is only afraid of ......"

The Emperor of the Apocalypse's eyes lit up, and said with a little excitement: "Bank...... And such a good thing? This is easy to do, the imperial court can also open one, let's save the gold and silver of the people in the world, wouldn't it be good? ”

The Emperor of the Apocalypse smiled and said, "Wei Banban, Zhang Qingjia, what do you think?" ”

Wei Zhongxian immediately said: "Your Majesty Shengming, in the words of Brother Zhang, this is called taking other people's paths, so that others have no way to go. ”

Zhang Jingyi smiled bitterly and said, "Your Majesty, the minister thinks ...... This matter can not be done, the essence of the bank, lies in credit, and my Ming commerce and trade is not developed, those landlords and old wealth, as well as ordinary people, with silver, would rather dig a cellar to hide, it is impossible, the silver sent to the bank or bank, the so-called bank, is not the bank? If you want to change people's habits, where is it a matter of one or two years. ”

"Besides." Zhang Jingyi coughed and said, "Your Majesty still remembers the treasure money of the Ming Dynasty?" ”

The Emperor of the Apocalypse glared at Zhang Jingyi: "This, of course I know. ”

Zhang Jing said: "My treasure banknote of the Ming Dynasty originated from Jiaozi in the Tang and Song dynasties, and it was many years earlier than the bank of the Francophone people, but what about now?" Over the years, the imperial court has issued money wantonly, and no one on the market has dared to use this thing for a long time, it is like a piece of waste paper, and the people have been fooled once, who dares to ......"

The Emperor of the Apocalypse couldn't help but say, "Didn't you say that I have no credit? ”

Zhang Jingyi actually said very seriously: "Yes." ”

The Emperor of the Apocalypse felt that his face was hot and painful, but he could only say: "In this way, my Da Ming can only stare dryly." I really can't do it, I have a lot of silver, so I just put in some more silver...... It's ......"

Zhang Jingyi shook his head and said: "But this is not a long-term solution, after all, Your Majesty has to use more places to use money, besides, we use Your Majesty's internal funds, and people use the wealth of thousands of people, now I can afford it, but what about ten or twenty years later?" People who have no long-term concerns must have near-term worries, so the minister thinks that it is better to solve the source problem. ”

The Emperor of the Apocalypse pondered: "Then what should I do?" ”

"Your Majesty......" Zhang Jing said: "Can you give the minister some time, give some silver, and dispatch the minister, and the minister dares to guarantee that within half a year, the bank of the Dutch will be owned by my Daming." ”

The Emperor of the Apocalypse was stunned for a moment, and then said, "What do you mean, buy their bank?" ”

Zhang Jingyi shook his head and said, "It's almost the same as buying, it's ...... The kind that wasn't going to pay. ”

"That's robbing!"

Good guy, the Emperor of the Apocalypse felt that the blood of his ancestors was boiling in his body again, and the whole person was full of energy, and his eyes lit up: "This method is the best, come, you can talk about it, how to grab it." ”

Zhang Jingyi was speechless.

However, Zhang San glanced at Zhang Jingyi, but he smiled, and then said: "Your Majesty, this can't be done, their banks have opened stores in Western countries, is it possible that my Ming Dynasty will rob all the stores?" Even if you rob the store, it won't have any effect, and as for the vault, it's even more ......"

Before Zhang San finished speaking, Zhang Jingyi said: "Please rest assured, I don't do what robbers do, I am a person who is reasonable and well-behaved, and I use Sven's method." ”

Zhang San didn't have any expectations for this, obviously he felt that this nephew seemed to be a little naïve and didn't know enough about other people's banks. ”

When the Emperor of the Apocalypse heard that he didn't grab it with a knife, he was immediately a little disappointed, so he had to smile reluctantly, and suddenly felt bored.

After meeting Zhang San, the Emperor of the Apocalypse rewarded some goods, and then ordered to reward the personnel accompanying the ship.

Zhang San said goodbye with a thousand thanks.

Zhang Jingyi was busy with the affairs of the prison, so naturally he couldn't stay, so he said goodbye and left.

When everyone left, the Emperor of the Apocalypse couldn't help but frown at Wei Zhongxian beside him and said, "Rob? Wei Banban, this robbery, and Sven's? ”

"Slave and maid look at ......it," Wei Zhongxian thought about it seriously and said: "Maybe Brother Zhang's meaning is that it is robbery on the surface, but in fact it is not robbery, ah...... In fact, the slave and maid don't understand very well. ”

The Emperor of the Apocalypse was still full of doubts, and paused: "Give me some information about these banks, but I want to know what their so-called robbery is." ”

Wei Zhongxian said: "The slave obeys the order. ”

The Emperor of the Apocalypse then fell silent, looking thoughtful.

After a long time, he let out a long sigh and said, "Speaking of which...... I miss Deng Jian a little. ”

Wei Zhongxian: "......"

………………

As soon as Zhang Jing returned to the county, she was actually still thinking about the bank.

The words of the third uncle actually make sense.

This thing...... Either destroy it and let the Dutch and Francois stand on the same starting line, or let the Ming build an effective banking system.

Of course, it's not easy.

Because the credit has been broken by the ancestors of the Emperor of the Apocalypse, if Your Majesty dares to stand up and say at this time, everyone should save their silver here.

Zhang Jingyi can guarantee that the funds that the Emperor of the Apocalypse can collect and save are most likely not as much as the money that Emperor Chongzhen can borrow in history.

It's just that...... How can this be solved?

He sat in the public room, kept frowning, groaning, at noon, Wang Cheng ran over and said, "Grandpa, go to dinner." ”

He screamed, and was about to slip away, but when he turned around, he saw Zhang Jingyi, who was very interested when he heard about eating on weekdays, was still sitting behind the bookcase, not moving at all.

He felt strange, so he said, "What's the matter, what kind of embarrassment has Grandpa Guo encountered?" ”

Zhang Jing raised his head and said, "There is a big thing that must be done by people who are very trustworthy. ”

Wang Cheng raised his eyebrows, looking happy.

Zhang Jing said: "You go and invite Lu County to come." ”

Wang Cheng almost spurted out a mouthful of old blood, but he was not excited, but he felt that his blood was a little cold, and said stubbornly: "Grandpa, we are brothers." ”

"You?" Zhang Jingyi looked at him with a hesitant look.

How do you look at this reaction, how does it make Wang Cheng feel heartbroken

Wang Cheng's eyes widened, he could bear other things, but he couldn't bear it.

Zhang Jingyi laughed out loud at this time, and said: "I'm actually just provoking you, okay, big brother, no, Wang Qianhu, there is one thing to be handed over to you to do, if you do it, it must be a great achievement, I don't lie to you." It's just that...... The stakes are very high, you must be careful and careful, you know, the slightest mistake, but something will happen. ”

Wang Cheng has always been a real person, so he didn't ask much, so he immediately patted his chest and said: "Don't worry, please let the state publicize." ”

So Zhang Jingyi and Wang Cheng discussed in the public room for more than an hour, and Wang Cheng left with a confused face.

In fact, he didn't quite understand Zhang Jingyi's intentions and plans.

But......

Whatever, anyway, the third brother will make up his mind.

Looking at the background of Wang Cheng's departure, Zhang Jingyi was silently relieved, and at this time, he showed a confident look.

Those Dutch and Francois actually want to brush the tiger's beard, so let you take a good look at what my Zhang Jingyi's methods are.

…………

Chapter 5 is delivered, asking for a monthly pass.

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